[enwave]

I put half down and financed the rest despite having more than enough cash to pay it off. This is because I'm 25 and have been making a lot of money for years, and never actually built any real credit. Lived a cash only lifestyle. So I had a zero credit score (no credit references at all), but $50k sitting in a bank account, another large amount in stock, and a very very good yearly salary.

Still, I only got 8.2% because of zero credit references. Decided to do it anyway to build up credit. Will refi after six months down to a really really low rate I assume.

Still, kids, be smart and build credit early if you have money to do so.